US-12626247-B2 - Vocal signature systems and methods

US12626247B2US 12626247 B2US12626247 B2US 12626247B2US-12626247-B2

Abstract

A computerized method is provided for digitally signing a digital document related to a transaction request from a customer. The method includes receiving, by a computing device, data related to the transaction request from the customer via a web-based interface. Receipt of the transaction data initiates a request session. The method also includes recording during the request session a voice signature sample from the customer via the web-based user interface and verifying the customer for the transaction request by comparing the voice signature sample with a stored voice print of the customer. Further, a consolidated record for the transaction request is generated that includes the transaction data and the transaction result. The digital document is populated with the transaction data if the customer is verified, where the digital document is treated as being digitally signed by the customer.

Inventors

Harmeet Singh
Kevin Johnson
Mark Muir
Abhishek Kumar
Brian Autumn

Assignees

FMR LLC

Dates

Publication Date: 20260512
Application Date: 20231006

Claims (17)

1 . A computerized method for digitally signing a digital document related to a transaction request from a customer, the computerized method comprising: receiving, by a computing device, transaction data related to the transaction request from the customer via a web-based interface, including an account number associated with the customer, wherein receipt of the transaction data initiates a request session; assigning, by the computing device, a tracking code upon initiation of the request session; dynamically capturing in real-time, by the computing device, data received from the customer in the tracking code; recording, by the computing device, during the request session a voice signature sample from the customer via the web-based user interface, wherein the voice signature includes a vocal description of the transaction request that identifies the customer, and wherein the tracking code comprises a visual waveform representation of the voice signature sample; verifying, by the computing device, the customer for the transaction request by (i) comparing the voice signature sample with a stored voice print of the customer and (ii) comparing details about the transaction request with the vocal description of the transaction request; generating, by the computing device, a result of the verifying step during the request session; dynamically updating in real-time, by the computing device, the tracking code to capture the verification result, the tracking code including a token referencing the voice sample and at least a portion of the transaction data received from the customer, the token comprising one or more symbols representing a nature of the transaction positioned along the visual waveform and the position of the one or more symbols along the visual waveform encodes the portion of the transaction data; generating, by the computing device, a consolidated record for the transaction request including the transaction data, the verification result, and the updated tracking code; populating, by the computing device, the digital document with the transaction data if the customer is verified, including populating one or more fields requiring the customer's account number, wherein the digital document is treated as being digitally signed by the customer; and attaching, by the computing device, the tracking code to the digital document, the tracking code enabling retrieval of pertinent information related to the transaction request from the digital document, including the data received from the customer and the verification result.
2 . The computerized method of claim 1 , further comprising notifying the customer the result of the verifying step by displaying a confirmation code on the web-based interface.
3 . The computerized method of claim 1 , further comprising providing, by the computing device, instructions for what the customer should utter in the voice signature sample.
4 . The computerized method of claim 1 , wherein comparing the voice signature sample with the stored voice print of the customer comprises converting the voice signature sample to a text string and comparing the text string with a text representation of the stored voice print.
5 . The computerized method of claim 1 , wherein the tracking code comprises a Quick Response (QR) code.
6 . The computerized method of claim 1 , wherein the tracking code comprises a physical signature comprising the customer's name.
7 . The computerized method of claim 6 , wherein the customer's name in each physical signature is uniquely depicted.
8 . The computerized method of claim 1 , further comprising: transmitting instructions to a second customer to initiate a next action associated with the same transaction request during the same request session; recording a second voice signature sample from the second customer; verifying the second customer for the same transaction request by comparing the second voice signature sample with a stored voice print of the second customer; generating a second result of the verifying step for the second customer; and updating the consolidated record to add the second result.
9 . The computerized method of claim 8 , further comprising: visually notifying the second customer the second result of the verifying step; if the second customer is verified after the verification of the first customer, treating the digital document as being signed by both the first and second customers; and terminating the request session.
10 . The computerized method of claim 8 , wherein the consolidated record for the request session includes data related to both the first and second customers.
11 . The computerized method of claim 1 , wherein the tracking code captures a time stamp associated with the request session, and wherein signing of the digital document by the customer needs to be completed in a predetermined time period from the time stamp.
12 . A computer program product, tangibly embodied in a non-transitory computer readable storage device, for digitally signing a digital document related to a transaction request from a customer, the computer program product including instructions operable to cause a computing device to: receive data related to the transaction from the customer, including an account number associated with customer, and initiate a request session based on the receipt of the transaction data; assign a tracking code comprising a Quick Response (QR) code upon initiation of the request session; dynamically capture in real-time or near real time data received from the customer in the tracking code; record, during the request session, a voice signature sample from the customer, wherein the voice signature includes a vocal description of the transaction request that identifies the customer, and wherein the tracking code comprises a visual waveform representation of the voice signature sample; verify the customer for the transaction request by (i) comparing the voice signature sample with a stored voice print of the customer and (ii) comparing details about the transaction request with the vocal description of the transaction request; generate a result of the verification during the request session; dynamically update in real-time the tracking code to capture the verification result, the tracking code including a token referencing the voice sample and at least a portion of the transaction data received from the customer, the token comprising one or more symbols representing a nature of the transaction positioned along the visual waveform and the position of the one or more symbols along the visual waveform encodes the portion of the transaction data; generate a consolidated record for the transaction request including the transaction data, the verification result and the updated tracking code; populate the digital document with the transaction data if the customer is verified, including populate one or more fields requiring the customer's account number, wherein the digital document is treated as being digitally signed by the customer; and attach the tracking code to the digital document, the tracking coding enabling retrieval of pertinent information related to the transaction request from the digital document, including the data received from the customer and the verification result.
13 . The program product of claim 12 , wherein the processing system is further configured to generate a confirmation code capturing the result of the verification.
14 . The program product of claim 13 , wherein the web-based interface application is configured to visually display the confirmation code to the customer.
15 . The program product of claim 12 , further comprising instructions operable to cause the computing device to: transmit instructions to a second customer to initiate a next action; record a second voice signature sample from the second customer; verify the second customer for the same transaction request by comparing the second voice signature sample with a stored voice print of the second customer; generate a second result of the verification of the second customer during the same request session; and update the consolidated record to add the second result.
16 . The computer program product of claim 15 further comprising instructions operable to cause the computing device to: visually notify the second customer the result of the verification; and treat the digital document as being signed by both the first and second customers if both the first and second customers are verified.
17 . The computer program product of claim 16 , wherein the tracking code captures a time stamp associated with the request session, and wherein signing of the digital document by the first and second customers needs to be completed in a predetermined time period from the time stamp.

Description

CROSS REFERENCE TO RELATED APPLICATIONS This application is a continuation-in-part of U.S. application Ser. No. 17/376,678, filed on Jul. 15, 2021 and entitled “Vocal Signature Systems and Methods”, the content of which is incorporated herein by reference in its entirety. TECHNICAL FIELD This application relates generally to systems, methods and apparatuses, including computer program products, for vocal signature of digital documents related to online transaction requests. BACKGROUND Traditional processes for signing documents are accomplished either on paper or digitally, followed by “Sign First Verify Later” standards with no context of the transactions involved. Currently, these signature processes also do not provide fraud detection or have a signature expiration process. SUMMARY To remedy the shortcomings in today's market, the present invention provides a solution where a customer can use his or her voice to generate a paperless, touch-free, and seamless voice-based signature following a ‘Verify First Sign Later’ standard. Multiple parties, witnesses, joint account holders can also simultaneously sign using their voices. The present invention features systems and methods for vocally completing and signing documents for a paperless and touch-free experience. The present systems and methods can be used to track and confirm ownership of an online stop-and-go digital document signature process, such as a multi-step form and account opening process. For example, a tracking code (e.g., a Quick Response (QR) code) can be assigned to an ongoing document signature process and shared with a business associate online or in branch to retrieve a record for subsequent completion, thereby providing an end-to-end paperless experience. In some embodiments, the present digital document signature systems and methods allow retrieval of a record that captures the full context of the signature process using the information vocally provided. In some embodiments, the present digital document signature systems and methods can combine customer voice verification with associate voice verification for a witness-based vocal signature process (i.e., an associate can use his or her enrolled voice to sign as a witness). In one aspect, the present application features a computer-implemented method for digitally signing a digital document related to a transaction request from a customer. The computerized method comprises receiving, by a computing device, data related to the transaction request from the customer via a web-based interface. Receipt of the transaction data initiates a request session. The method includes recording, by the computing device, during the request session a voice signature sample from the customer via the web-based user interface, and verifying, by the computing device, the customer for the transaction request by comparing the voice signature sample with a stored voice print of the customer. The method also includes generating, by the computing device, a result of the verifying step during the request session, generating, by the computing device, a consolidated record for the transaction request including the transaction data and the result, and dynamically assigning, by the computing device, a tracking code to the request session, the tracking code being dynamically updated throughout the request session to capture at least the transaction data and the result of the verifying step. The method further includes populating, by the computing device, the digital document with the transaction data if the customer is verified, where the document is treated as being digitally signed by the customer. In another aspect, the invention features a computer-implemented system for digitally signing a digital document related to a transaction request from a customer. The computerized system comprises a web-based interface application configured to (i) receive data related to the transaction from the customer, (ii) initiate a request session based on the receipt of the transaction data, and (iii) record, during the request session, a voice signature sample from the customer. The computerized system also includes a verification platform configured to (i) verify the customer for the transaction request by comparing the voice signature sample with a stored voice print of the customer, and (ii) generate a result of the verification during the request session. The computerized system further includes a processing system configured to generate a consolidated record for the transaction request including the transaction data and the result, dynamically assign a tracking code to the request session, the tracking code being dynamically updated throughout the request session to capture at least the transaction data and the result of the verification, and populate the digital document with the transaction data if the customer is verified, where the digital document is treated as being digitally signed by the customer. Any of the above as